terrifying calculations

If my estimates are correct (which they aren't; they are too low), by the time I graduate from vet school I will owe, with interest, over $215,000 in loans. If I pay it off over 10 years, I will be paying about $1,800 a month. If you think this sounds like the cost of a house and the monthly mortgage payment of that house, you're right! So, by the time I'm 40 I will...

1. Have no cash
2. Have no savings
3. Have no house
4. Have a 2004 Honda Accord (which will be about 23 years old at this point)
5. Have no debt (hopefully)
6. Have a dog (because I can't afford kids or fit them in my little old car)

Things are really looking up! And I just dropped zoology like a bad habit. Thank God.